Driving away in your first car is such a thrill...and something you will always remember. At CSCU we want you to drive away with a good deal, while establishing a credit history. CSCU's First-Time Auto Buyer Loans do just that. Here's what you need to qualify:

"First Time" Auto Buyer Program – New or Used Auto (with Credit History)

A minimum of one year at your current job – minimum income of $1,500 per month

Credit History – A minimum of two open trades required – (one trade for a minimum of 12 months). NO derogatory (bad) credit history

A cash down payment of at least 10% of the sales price

Proof of Income

First-Time Auto Buyer Loan (with Credit History) features include:

Rates as low as 10.99% APR*, maximum loan amount $16,000.00

Loan term up to 60 months

"First-Time" Auto Buyer Program – New or Used Auto (with no Credit History)

A minimum of one year at your current job – minimum income of $1,500 per month

Credit History – NO derogatory (bad) credit history

A cash down payment of at least 20% of the sales price

Proof of Income

First-Time Auto Buyer Loan (with NO Credit History) features include:

Rates as low as 12.99% APR*, maximum loan amount $13,000.00

Loan Terms up to 60 months

Need Help Shopping for Your New Ride? Use AutoSmart!AutoSmart makes auto buying easy. The AutoSmart Web site gives you access to everything you need to make your auto purchase complete!

Purchasing a used vehicle from a private party? Click here to apply for your loan.

For pre-approval to purchase a new or used vehicle from a dealership, click here.

*Annual Percentage Rate. All loans are subject to approval. Some restrictions may apply. Primary borrower must reside within San Joaquin, Calaveras, Amador, Stanislaus or Tuolumne counties.

CSCU supports student members seeking a higher education with our economical eCollege Account and through our scholarship programs at the following colleges:

University of the Pacific
CSCU has made a pledge of $4,000.00 – Any student who has been accepted to the University of the Pacific is eligible to apply for Financial Aid. For more information please contact the Financial Aid Office.
2011/2012
Financial Aid Office: 209-946-2421www.pacific.edu

Delta Community College
Scholarships available: 2 at $500 each
2011/2012
Financial Aid/Scholarship Office:www.deltacollege.edu

You may be either an incoming or continuing student at Delta College, CSU Stanislaus or University of the Pacific.

A minimum grade point average of 3.0.

Applying for a Scholarship
You must apply for scholarships directly through the Financial Aid/Scholarship office of one of the three colleges listed above.

Award Notification
Scholarships are awarded through and paid directly to the Financial Aid/Scholarship offices at each college or university. Scholarship recipients will be notified directly by the Financial Aid/Scholarship offices. Recipients are selected by scholarship committees at Delta College and CSU Stanislaus. Recipients of financial aid are selected by the Financial Aid Office at the University of the Pacific.

Good luck!

Please Note:Employees and immediate family members of Central State Credit Union are not eligible to apply.